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Financial strength ranking · Ohio · Call Report data as of Q2 2026

Best Banks in Ohio by Financial Strength

The St. Henry Bank ranks first among the 126 banks headquartered in Ohio we score, with a financial strength score of 86.6 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first
The St. Henry Bank
Its score
86.6 of 100
Banks scored in Ohio
126
Its return on assets
2.58%

The 100 highest scoring banks in Ohio

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Ohio ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
1 The St. Henry Bank Saint Henry 86.6 2.58% 37.90% 13.61% 0.06% $435.6M
2 Settlers Bank Marietta 83.5 2.04% 45.39% 16.19% 0.12% $142.4M
3 Sutton Bank Attica 76.3 3.77% 44.68% 10.01% 0.00% $1.74B
4 The Peoples Bank Co. Coldwater 76.3 1.61% 36.74% 11.89% 0.07% $859.2M
5 Greenville National Bank Greenville 76.3 1.76% 48.12% 13.02% 0.11% $641.5M
6 The Home Loan Savings Bank Coshocton 72.5 2.60% 35.79% 11.68% 0.53% $386.7M
7 Guardian Savings Bank West Chester 72.4 1.94% 48.06% 11.39% 0.15% $1.39B
8 The Bank of Magnolia Company Magnolia 71.5 2.02% 60.36% 12.96% 0.08% $107.8M
9 The Harrison Building and Loan Association Harrison 71.4 1.33% 49.73% 17.62% 0.24% $268.0M
10 First Federal Community Bank, N.A. Dover 68.4 1.96% 41.57% 9.40% 0.06% $994.6M
11 The Corn City State Bank Deshler 67.9 1.47% 51.52% 10.82% 0.01% $104.5M
12 The North Side Bank and Trust Company Cincinnati 66.7 1.41% 50.68% 11.16% 0.06% $1.17B
13 The Citizens National Bank of Bluffton Bluffton 66.0 2.48% 49.03% 11.02% 0.53% $1.10B
14 First National Bank in New Bremen New Bremen 65.9 1.41% 50.20% 10.83% 0.05% $467.1M
15 Minster Bank Minster 65.8 1.66% 48.35% 10.08% 0.08% $811.6M
16 Signature Bank, N.A. Toledo 65.6 1.70% 46.13% 12.44% 0.66% $1.31B
17 Farmers & Merchants Bank Miamisburg 65.3 1.96% 46.55% 12.16% 0.84% $359.4M
18 First Federal Savings and Loan Association of Delta Delta 63.1 1.03% 66.90% 16.48% 0.00% $246.0M
19 The Citizens Bank Company Beverly 62.1 1.32% 58.56% 13.56% 0.22% $334.6M
20 The Hamler State Bank Hamler 62.1 1.47% 48.45% 14.34% 0.96% $125.3M
21 The National Bank of Adams County of West Union West Union 60.7 2.14% 44.18% 10.82% 1.12% $114.7M
22 The Farmers State Bank New Madison 59.9 1.45% 54.30% 10.86% 0.20% $329.6M
23 Union Savings Bank Cincinnati 57.8 1.85% 51.79% 10.51% 0.63% $4.02B
24 The Croghan Colonial Bank Fremont 57.6 1.32% 56.38% 10.13% 0.05% $1.41B
25 The Hocking Valley Bank Athens 57.4 1.43% 55.17% 11.44% 0.40% $354.0M
26 Civista Bank Sandusky 56.2 1.42% 56.19% 12.71% 0.70% $4.29B
27 The First National Bank of Sycamore Sycamore 56.1 1.23% 55.52% 9.96% 0.04% $239.4M
28 Home Savings and Loan Company of Kenton, Ohio, the dba HSLC Kenton 55.5 1.39% 60.95% 17.11% 0.90% $245.0M
29 Cfbank N.A. Columbus 55.3 1.29% 45.92% 11.64% 0.96% $2.17B
30 The Park National Bank Newark 55.0 1.91% 52.56% 10.33% 0.82% $12.61B
31 The Killbuck Savings Bank Company Killbuck 54.7 1.26% 56.66% 9.49% 0.01% $953.8M
32 The Cincinnatus Savings and Loan Company Cheviot 54.7 0.92% 64.61% 15.26% 0.17% $193.1M
33 Waterford Bank, N.A. Toledo 54.1 1.31% 47.18% 10.45% 0.54% $1.77B
34 Vinton County National Bank McArthur 53.7 1.29% 57.50% 10.49% 0.19% $1.59B
35 Main Street Bank Corp. Wooster 53.3 1.63% 44.44% 9.25% 0.55% $1.55B
36 The Fort Jennings State Bank Fort Jennings 52.8 1.35% 58.04% 12.71% 0.81% $285.8M
37 The Old Fort Banking Company Old Fort 52.6 1.49% 55.39% 8.89% 0.11% $843.9M
38 The Farmers and Merchants Bank Caldwell 52.5 1.35% 56.20% 14.92% 2.29% $136.4M
39 The Farmers & Merchants State Bank Archbold 52.4 1.39% 53.45% 9.44% 0.21% $3.49B
40 The Commercial and Savings Bank of Millersburg, Ohio Millersburg 52.4 1.48% 52.43% 10.25% 0.56% $1.30B
41 SSB Community Bank Strasburg 52.1 1.62% 54.96% 7.36% 0.12% $296.8M
42 The Apple Creek Banking Company Apple Creek 51.9 1.26% 61.09% 9.17% 0.00% $270.6M
43 Miami Savings Bank Miamitown 51.8 0.91% 67.52% 21.29% 0.32% $148.3M
44 First Financial Bank Cincinnati 51.4 1.54% 54.13% 9.78% 0.43% $22.35B
45 Independence Bank Independence 50.6 0.71% 67.72% 14.46% 0.14% $191.2M
46 The Union Bank Company Columbus Grove 50.2 0.58% 56.27% 10.78% 0.07% $1.44B
47 JPMorgan Chase Bank, N.A. Columbus 49.7 1.70% 53.89% 7.49% 0.30% $4.09T
48 Ohio State Bank Bexley 49.5 1.03% 49.91% 11.69% 0.91% $484.0M
49 Buckeye Community Bank Elyria 49.0 0.78% 78.10% 12.94% 0.01% $238.3M
50 Adelphi Bank Columbus 48.5 0.10% 88.44% 15.82% 0.00% $124.5M
51 Portage Community Bank Ravenna 48.4 1.00% 60.39% 10.83% 0.20% $552.2M
52 Osgood Bank Osgood 48.4 1.35% 60.33% 9.86% 0.24% $485.8M
53 The Twin Valley Bank West Alexandria 47.7 1.61% 62.75% 9.23% 0.22% $137.6M
54 Community Savings Bank Bethel 47.5 0.62% 78.58% 14.76% 0.08% $119.6M
55 The Fahey Banking Company Marion 46.9 1.22% 61.52% 16.11% 3.10% $384.7M
56 Mercer Savings Bank Celina 46.9 0.78% 78.22% 13.16% 0.07% $176.2M
57 KeyBank N.A. Cleveland 46.8 1.28% 54.73% 9.92% 0.51% $188.56B
58 Fidelity Federal Savings and Loan Association of Delaware Delaware 46.5 0.23% 89.11% 17.02% 0.03% $131.6M
59 LCNB National Bank Lebanon 46.4 1.42% 59.73% 9.30% 0.26% $2.22B
60 The Community Bank Zanesville 46.4 1.20% 67.99% 10.58% 0.16% $680.1M
61 The First Citizens National Bank of Upper Sandusky Upper Sandusky 46.3 0.64% 81.28% 12.59% 0.00% $389.9M
62 Peoples Bank Marietta 45.9 1.27% 55.92% 9.70% 0.43% $9.53B
63 The Richwood Banking Company, Inc. Richwood 45.5 1.37% 58.87% 10.76% 0.88% $1.30B
64 Community Savings Caldwell 45.1 1.32% 69.00% 12.43% 0.76% $284.7M
65 The Farmers National Bank of Canfield Canfield 44.4 1.26% 53.21% 9.55% 0.62% $7.16B
66 Riverhills Bank Milford 44.3 1.11% 73.89% 10.69% 0.10% $340.8M
67 First State Bank Winchester 43.1 1.04% 60.37% 10.47% 0.40% $1.24B
68 Fifth Third Bank, N.A. Cincinnati 42.8 1.22% 59.60% 9.99% 0.51% $299.18B
69 U.S. Bank N.A. Cincinnati 42.4 1.32% 53.62% 9.49% 0.85% $705.55B
70 Third Federal Savings & Loan Association of Cleveland Cleveland 41.3 0.69% 58.46% 9.99% 0.23% $18.06B
71 The Wilmington Savings Bank Wilmington 41.3 0.67% 67.99% 14.61% 0.66% $267.3M
72 The State Bank and Trust Company Defiance 41.0 1.13% 65.58% 10.00% 0.28% $1.61B
73 Citizens Federal Savings & Loan Association Bellefontaine 40.6 0.55% 75.74% 10.90% 0.03% $186.1M
74 Merchants National Bank Hillsboro 40.0 1.29% 60.11% 8.91% 0.40% $1.27B
75 Unified Bank Martins Ferry 39.9 1.43% 55.12% 8.99% 0.99% $871.7M
76 The Citizens National Bank of Woodsfield Woodsfield 39.4 1.15% 59.68% 8.88% 0.33% $153.9M
77 Farmers State Bank West Salem 39.0 1.15% 69.63% 9.30% 0.13% $187.5M
78 Fairfield Federal Savings and Loan Association of Lancaster Lancaster 38.8 0.53% 80.04% 11.82% 0.15% $281.5M
79 National Cooperative Bank, N.A. Hillsboro 38.5 1.38% 66.14% 11.28% 2.14% $4.33B
80 New Carlisle Federal Savings Bank New Carlisle 38.3 1.44% 51.88% 8.42% 1.51% $330.5M
81 Consumers National Bank Minerva 37.5 0.96% 65.87% 8.35% 0.05% $1.28B
82 The Andover Bank Andover 37.0 0.90% 69.67% 9.63% 0.12% $595.1M
83 The Huntington National Bank Columbus 36.3 1.12% 57.79% 9.30% 0.72% $283.07B
84 The Genoa Banking Company Genoa 36.1 0.93% 69.73% 7.58% 0.01% $747.8M
85 The First National Bank of McConnelsville McConnelsville 35.8 1.29% 63.23% 8.61% 0.49% $200.2M
86 The Baltic State Bank Baltic 35.4 0.97% 79.02% 7.81% 0.00% $129.6M
87 First Federal Bank of Ohio Galion 35.3 0.39% 86.99% 13.68% 0.40% $282.9M
88 The Citizens National Bank of McConnelsville McConnelsville 34.8 0.99% 72.01% 12.24% 1.17% $102.1M
89 First Federal Community Bank of Bucyrus Bucyrus 34.7 1.21% 66.31% 8.10% 0.30% $373.8M
90 The Peoples Savings and Loan Company Bucyrus 33.4 0.42% 84.29% 20.34% 1.02% $157.4M
91 Southern Hills Community Bank Leesburg 33.1 0.69% 80.11% 13.77% 0.95% $209.6M
92 North Valley Bank Zanesville 33.0 1.07% 71.95% 10.05% 0.52% $426.9M
93 The Savings Bank Circleville 32.8 0.79% 71.48% 9.42% 0.16% $520.1M
94 The Peoples Savings and Loan Company West Liberty 32.7 0.83% 70.67% 8.99% 0.13% $109.9M
95 First Federal Savings and Loan Association of Newark Newark 32.5 0.54% 80.31% 14.18% 0.92% $293.5M
96 The First National Bank of Dennison, Ohio Dennison 32.1 0.56% 85.08% 10.25% 0.13% $267.4M
97 Kingston National Bank Kingston 32.0 0.81% 70.40% 9.21% 0.19% $586.3M
98 Belmont Savings Bank Bellaire 31.5 0.42% 76.35% 13.63% 1.02% $612.9M
99 The First National Bank of Pandora Pandora 30.9 0.95% 70.62% 8.07% 0.18% $299.0M
100 Valley Central Bank Liberty Township 30.8 0.43% 85.53% 20.06% 1.66% $186.7M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Ohio?

By our financial strength score, The St. Henry Bank of Saint Henry ranks first among the 126 scored banks headquartered in Ohio, scoring 86.6 out of 100 for Q2 2026: return on assets of 2.58%, an efficiency ratio of 37.90%, a Tier 1 leverage ratio of 13.61% and nonperforming assets of 0.06% of total assets. Settlers Bank and Sutton Bank rank second and third.

How are the best banks in Ohio ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

Best banks in other states

More in Ohio

Largest banks in Ohio Bank deposits in Ohio Largest credit unions in Ohio Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.